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AARP's Social Security Q&A Tool

If you delay claiming beyond your full retirement age, do you also receive a COLA adjustment?

En español | Yes. The COLA for 2013 is 1.7 percent. If you turn 67 in 2013 and apply for benefits, your benefit would be 9.7 percent larger (the 8 percent delayed retirement credit plus the 1.7 percent COLA) than if you had applied for benefits at age 66 (when there was no COLA). In addition, the COLA is applied to the monthly benefit amount beginning when the person turns age 62. This is true whether the person is actually receiving benefits at age 62 or not.

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